Age5 yrs
Real estate1 parcel · 2,528 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of RG11 is 4.5% (elevated). The 2025 annual accounts show equity of €39k and a net result of €-149k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 23% of 64 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone4.5%
Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 64 sector peers (2025).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 5 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2025, that is 30-04-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-09-2025 | 30-04-2026 | 30-04-2026 | on the day | 2026-00097065 |
| 30-09-2024 | 30-04-2025 | 03-05-2025 | 3 d late | 2025-00086341 |
| 30-09-2023 | 30-04-2024 | 30-01-2024 | 91 d early | 2024-00019506 |
| 30-09-2022 | 30-04-2023 | 21-12-2022 | 130 d early | 2022-20544221 |
| 30-09-2021 | 30-04-2022 | 10-03-2022 | 51 d early | 2022-07500105 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot included in this filing
EBIT marginNot included in this filing
Net result€-149k
Working capital€-46k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 30-04-2026 with the NBB · fiscal year 2025 · volledig
Sector comparison
Fiscal year 2025 · NACE 56, Food & beverage service · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 7.7% | 24.8% | |
| Net result | €-149k | €15k | |
| Equity | €39k | €100k | |
| Gross operating margin | €44k | €409k | |
| Staff costs | €160k | €376k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P23
Stable position over 2021-2025
· n=64-332
P5
Weakening position over 2021-2025
· n=64-332
P26
Stable position over 2021-2025
· n=64-332
P10
Weakening position over 2021-2025
· n=57-322
Describes the position versus peers, not a forecast.
€-118k
-
21-25
€-149k
-
21-25
€-124k
-
21-25
€511k
+61.7%
21-25
€39k
-77.5%
21-25
€-46k
-
21-25
3
-48.4%
21-25
€160k
-26.8%
21-25
Show 11 other metrics
€11
-99.8%
21-25
€472k
+232.0%
21-25
€283k
+99.1%
21-25
€189k
-
21-25
0.84
-44.3%
21-25
0.59
-41.7%
21-25
7.7%
-86.1%
21-25
12.06
+1375.5%
21-25
-381.5%
-
21-25
-29.2%
-
21-25
-22.28
-
21-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | volledig |
| Revenue | - |
| EBITDA | €-118k |
| Net profit | €-149k |
| Cash flow | €-124k |
| Staff costs | €160k |
| Income taxes | €11 |
| Dividends | - |
| Total assets | €511k |
| Equity | €39k |
| Debt | €472k |
| of which ≤ 1y | €283k |
| of which > 1y | €189k |
| Working capital | €-46k |
| Employees (FTE) | 3.2 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.84 |
| Quick ratio | 0.59 |
| Working capital ratio | -9.0% |
| Solvency | 7.7% |
| Debt / equity | 12.06 |
| Long-term debt ratio | 4.83 |
| Interest coverage | -22.28 |
| Gross margin | - |
| Net margin | - |
| ROA | -29.2% |
| ROE | -381.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €511k |
| Fixed assets | 21/28 | €274k |
| Intangible fixed assets | 21 | €0 |
| Tangible fixed assets | 22/27 | €274k |
| Current assets | 29/58 | €237k |
| Stocks & contracts in progress | 3 | €69k |
| Amounts receivable within one year | 40/41 | €165k |
| Cash & bank | 54/58 | €885 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €511k |
| Equity | 10/15 | €39k |
| Contributions / capital | 10/11 | €30k |
| Reserves | 13 | €9k |
| Amounts payable | 17/49 | €472k |
| Amounts payable after one year | 17 | €189k |
| Amounts payable within one year | 42/48 | €283k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €44k |
| Operating result | 9901 | €-144k |
| Financial income | 75 | €2 |
| Financial charges | 65 | €5k |
| Result before taxes | 9903 | €-149k |
| Income taxes | 67/77 | €11 |
| Net result for the period | 9904 | €-149k |
| Result to be appropriated | 9905 | €-149k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed2
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Vaux(CER) 954632 SoumagneEstablishment units
1 locationRG11
since 20202.310.589.092
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,528 m²
Buildings1
Building footprint97 m²
Volume (LiDAR)816 m³
Tallest building12.4 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62021C0333/00D000 | Wallonia | 2,528 m² | 1 · 97 m² | 12.4 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Capital history · 1
30-10-2025
v3.2
All acts · 3
updated 10 months ago
2025
30-10-2025 Transaction in capital or shares
Summary:
v3.2
22-07-2025 Change in the board of directors
Summary:
v3.2
2020
28-10-2020 Incorporation of a new SRL
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured28
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
2
Profitability
0
Solvency
12
Growth
32
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,997 of the 21,821 companies in this sector. 2,571 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameFR | RG11 |
Registered office
Rue Vaux(CER) 95
4632 Soumagne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.